29.34 USD
+1.23 (+4.38%)
29.34 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to COFS. COFS was compared to 383 industry peers in the Banks industry. COFS may be in some trouble as it scores bad on both profitability and health. COFS is growing strongly while it is still valued neutral. This is a good combination! COFS also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
- In the past year COFS was profitable.
- In the past year COFS had a positive cash flow from operations.
- In the past 5 years COFS has always been profitable.
- In the past 5 years COFS always reported a positive cash flow from operatings.
1.2 Ratios
- COFS has a Return On Assets of 0.50%. This is in the lower half of the industry: COFS underperforms 77.55% of its industry peers.
- COFS's Return On Equity of 4.77% is on the low side compared to the rest of the industry. COFS is outperformed by 78.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 4.77% | ||
| ROIC | N/A |
ROA(3y)0.93%
ROA(5y)0.91%
ROE(3y)11.71%
ROE(5y)10.39%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- COFS has a worse Profit Margin (15.00%) than 77.28% of its industry peers.
- In the last couple of years the Profit Margin of COFS has grown nicely.
- COFS does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 15% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.55%
PM growth 5Y8.3%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- COFS does not have a ROIC to compare to the WACC, probably because it is not profitable.
- The number of shares outstanding for COFS has been increased compared to 1 year ago.
- COFS has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for COFS has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of COFS is 1.33, which is an excellent value as it means it would take COFS, only 1.33 years of fcf income to pay off all of its debts.
- Looking at the Debt to FCF ratio, with a value of 1.33, COFS is in line with its industry, outperforming 58.75% of the companies in the same industry.
- A Debt/Equity ratio of 0.11 indicates that COFS is not too dependend on debt financing.
- COFS has a better Debt to Equity ratio (0.11) than 66.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.33 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- COFS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.71%, which is quite good.
- The Earnings Per Share has been growing by 15.52% on average over the past years. This is quite good.
- Looking at the last year, COFS shows a very strong growth in Revenue. The Revenue has grown by 61.38%.
- Measured over the past years, COFS shows a very strong growth in Revenue. The Revenue has been growing by 20.14% on average per year.
EPS 1Y (TTM)11.71%
EPS 3Y4.36%
EPS 5Y15.52%
EPS Q2Q%14.12%
Revenue 1Y (TTM)61.38%
Revenue growth 3Y5.01%
Revenue growth 5Y20.14%
Sales Q2Q%78.14%
3.2 Future
- The Earnings Per Share is expected to grow by 4.09% on average over the next years.
- The Revenue is expected to grow by 25.13% on average over the next years. This is a very strong growth
EPS Next Y14.43%
EPS Next 2Y4.89%
EPS Next 3Y4.09%
EPS Next 5YN/A
Revenue Next Year76.58%
Revenue Next 2Y38.41%
Revenue Next 3Y25.13%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- COFS is valuated reasonably with a Price/Earnings ratio of 8.31.
- Compared to the rest of the industry, the Price/Earnings ratio of COFS indicates a rather cheap valuation: COFS is cheaper than 93.73% of the companies listed in the same industry.
- The average S&P500 Price/Earnings ratio is at 27.32. COFS is valued rather cheaply when compared to this.
- A Price/Forward Earnings ratio of 8.21 indicates a reasonable valuation of COFS.
- COFS's Price/Forward Earnings ratio is rather cheap when compared to the industry. COFS is cheaper than 90.34% of the companies in the same industry.
- COFS is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.31 | ||
| Fwd PE | 8.21 |
4.2 Price Multiples
- COFS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.15 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- COFS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.58
PEG (5Y)0.54
EPS Next 2Y4.89%
EPS Next 3Y4.09%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 4.07%, COFS is a good candidate for dividend investing.
- Compared to an average industry Dividend Yield of 2.91, COFS pays a better dividend. On top of this COFS pays more dividend than 80.94% of the companies listed in the same industry.
- COFS's Dividend Yield is rather good when compared to the S&P500 average which is at 1.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.07% |
5.2 History
- The dividend of COFS has a limited annual growth rate of 0.25%.
- COFS has been paying a dividend for at least 10 years, so it has a reliable track record.
- COFS has not decreased its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)0.25%
Div Incr Years13
Div Non Decr Years15
5.3 Sustainability
- 70.39% of the earnings are spent on dividend by COFS. This is not a sustainable payout ratio.
- The dividend of COFS is growing, but earnings are growing more, so the dividend growth is sustainable.
DP70.39%
EPS Next 2Y4.89%
EPS Next 3Y4.09%
29.34
+1.23 (+4.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-24 2025-10-24/bmo
Earnings (Next)01-28 2026-01-28/amc
Inst Owners43.61%
Inst Owner Change0.11%
Ins Owners5.55%
Ins Owner Change1.05%
Market Cap440.69M
Revenue(TTM)143.14M
Net Income(TTM)21.47M
Analysts84.44
Price Target36.04 (22.84%)
Short Float %1.02%
Short Ratio1.01
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.07% |
Yearly Dividend1.09
Dividend Growth(5Y)0.25%
DP70.39%
Div Incr Years13
Div Non Decr Years15
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.54%
Min EPS beat(2)10.71%
Max EPS beat(2)14.38%
EPS beat(4)3
Avg EPS beat(4)6.77%
Min EPS beat(4)-6.12%
Max EPS beat(4)14.38%
EPS beat(8)7
Avg EPS beat(8)10.26%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)2.68%
Min Revenue beat(2)1.29%
Max Revenue beat(2)4.07%
Revenue beat(4)2
Avg Revenue beat(4)0.27%
Min Revenue beat(4)-3.71%
Max Revenue beat(4)4.07%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.52%
EPS NY rev (1m)41.98%
EPS NY rev (3m)4.82%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)3.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.31 | ||
| Fwd PE | 8.21 | ||
| P/S | 3.08 | ||
| P/FCF | 12.15 | ||
| P/OCF | 10.64 | ||
| P/B | 0.98 | ||
| P/tB | 1.51 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.53
EY12.03%
EPS(NY)3.58
Fwd EY12.19%
FCF(TTM)2.41
FCFY8.23%
OCF(TTM)2.76
OCFY9.4%
SpS9.53
BVpS29.93
TBVpS19.39
PEG (NY)0.58
PEG (5Y)0.54
Graham Number48.76
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.5% | ||
| ROE | 4.77% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 15% | ||
| GM | N/A | ||
| FCFM | 25.33% |
ROA(3y)0.93%
ROA(5y)0.91%
ROE(3y)11.71%
ROE(5y)10.39%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.55%
PM growth 5Y8.3%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.11 | ||
| Debt/FCF | 1.33 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 29.17% | ||
| Cap/Sales | 3.61% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 168.89% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC12.13%
ROIC/WACCN/A
Cap/Depr(3y)18.86%
Cap/Depr(5y)20.56%
Cap/Sales(3y)2.84%
Cap/Sales(5y)2.9%
Profit Quality(3y)186.62%
Profit Quality(5y)152.18%
High Growth Momentum
Growth
EPS 1Y (TTM)11.71%
EPS 3Y4.36%
EPS 5Y15.52%
EPS Q2Q%14.12%
EPS Next Y14.43%
EPS Next 2Y4.89%
EPS Next 3Y4.09%
EPS Next 5YN/A
Revenue 1Y (TTM)61.38%
Revenue growth 3Y5.01%
Revenue growth 5Y20.14%
Sales Q2Q%78.14%
Revenue Next Year76.58%
Revenue Next 2Y38.41%
Revenue Next 3Y25.13%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-45.84%
FCF growth 3Y10.34%
FCF growth 5Y40.98%
OCF growth 1Y-41.09%
OCF growth 3Y8.87%
OCF growth 5Y39.52%
CHOICEONE FINANCIAL SVCS INC / COFS FAQ
Can you provide the ChartMill fundamental rating for CHOICEONE FINANCIAL SVCS INC?
ChartMill assigns a fundamental rating of 5 / 10 to COFS.
What is the valuation status of CHOICEONE FINANCIAL SVCS INC (COFS) stock?
ChartMill assigns a valuation rating of 6 / 10 to CHOICEONE FINANCIAL SVCS INC (COFS). This can be considered as Fairly Valued.
Can you provide the profitability details for CHOICEONE FINANCIAL SVCS INC?
CHOICEONE FINANCIAL SVCS INC (COFS) has a profitability rating of 3 / 10.
What is the valuation of CHOICEONE FINANCIAL SVCS INC based on its PE and PB ratios?
The Price/Earnings (PE) ratio for CHOICEONE FINANCIAL SVCS INC (COFS) is 8.31 and the Price/Book (PB) ratio is 0.98.
What is the earnings growth outlook for CHOICEONE FINANCIAL SVCS INC?
The Earnings per Share (EPS) of CHOICEONE FINANCIAL SVCS INC (COFS) is expected to grow by 14.43% in the next year.